Answer:
What has banks but no money a bed but no sleep waves but no ocean?
I travel in a gaggle.
What begins with T ends with T and has T in it?
Take off my skin I won't cry but you will. What am I?
I have a tongue, but cannot speak. I have a bed but cannot sleep. I have four legs but cannot walk. Yet I move as you do. What am I?
What is the middle of water but is not an island?